CTBC Bank Corp. (USA): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
CTBC Bank Corp. (USA) is a community bank chartered in 1965, based in Los Angeles, CA. As of Q2 2026, the bank held approximately $5.9B in total assets and $5.0B in deposits. Returns are in line with industry norms at 0.87% ROA and 6.05% ROE; net interest margin is 3.10%. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.67% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 1.58%. CTBC Bank Corp. (USA) operates a 20-branch network.
As of June 30, 2026, CTBC Bank Corp. (USA) reported a Tier 1 leverage ratio of 14.67%, a return on assets of 0.87%, a nonperforming-loan ratio of 1.58%, a Texas ratio of 8.37%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 801 S Figueroa St, Los Angeles, CA 90017
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 27, 1965
- Former names
- Chinatrust Bank (U.S.A.) (1997-2013); China Trust Bank of California (1995-1997); Trans National Bank (1984-1995); Trans American National BAnk (1981-1984)
- Offices
- 20 domestic
- Employees (FTE)
- 392
- Domestic deposits
- $5.02B
- Allowance for credit losses
- $47.6M
- Net charge-offs (YTD)
- $1.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 27, 1965
- FDIC Cert
- 19416
- Fed RSSD
- 996260
- Website
- http://www.ctbcbankusa.com →
- Parent Holding Company
- CTBC CAPITAL CORP. (RSSD 1486517)
- Ultimate Parent
- CTBC FINANCIAL HOLDING CO., LTD. (RSSD 3080209)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CTBC Bank Corp. (USA) terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock CTBC Bank Corp. (USA), freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CTBC Bank Corp. (USA) rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for CTBC Bank Corp. (USA): Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 0.87% | 1.58% | 8.37% | 3.10% |
| Q1 2026 | 14.31% | 0.92% | 1.59% | 8.54% | 2.91% |
| Q4 2025 | 13.91% | 1.04% | 1.67% | 9.52% | 2.98% |
| Q3 2025 | 13.92% | 0.90% | 1.22% | 7.28% | 2.98% |
| Q2 2025 | 14.06% | 0.61% | 1.17% | 7.19% | 2.95% |
| Q1 2025 | 14.19% | 0.74% | 1.22% | 7.41% | 2.84% |
| Q4 2024 | 13.92% | 0.83% | 1.30% | 7.93% | 2.67% |
| Q3 2024 | 13.67% | 0.69% | 0.29% | 2.38% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cupertino Branch | Cupertino , CA | 95014 | $1.62B |
| CTBC Bank Corp. (USA) (main office) | Los Angeles , CA | 90017 | $572.4M |
| Irvine Branch | Irvine , CA | 92604 | $469.5M |
| Flushing Branch | Flushing , NY | 11355 | $360.4M |
| Rowland Heights Branch | City Of Industry , CA | 91748 | $325.5M |
| City of Industry Branch | City Of Industry , CA | 91748 | $246.0M |
| San Marino Branch | San Marino , CA | 91108 | $178.4M |
| Torrance Branch | Torrance , CA | 90503 | $150.8M |
| Edison Branch | Edison , NJ | 08817 | $113.3M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $112.0M |
| Milpitas Branch | Milpitas , CA | 95035 | $110.7M |
| Arcadia Branch | Arcadia , CA | 91006 | $97.8M |
| San Francisco Branch | San Francisco , CA | 94133 | $96.8M |
| Irvine #2 Branch | Irvine , CA | 92604 | $96.2M |
| San Gabriel Branch | San Gabriel , CA | 91776 | $91.1M |
| Brooklyn Branch | Brooklyn , NY | 11220 | $89.0M |
| Temple City Branch | Temple City , CA | 91780 | $84.2M |
| Hacienda Heights Branch | Hacienda Heights , CA | 91745 | $75.5M |
| Diamond Bar Branch | Diamond Bar , CA | 91765 | $68.9M |
| Walnut Branch | Walnut , CA | 91789 | $63.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 2003 | Structure Change | Acquired The Express Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1997 | Structure Change | Acquired China Trust Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 1983 | Structure Change | Acquired Bank of San Marino Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 8, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 1983 | Structure Change | Acquired Newport Harbour National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 11, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for CTBC Bank Corp. (USA), each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 38 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 649 applications, 346 loans originated, $333.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about CTBC Bank Corp. (USA)
What are CTBC Bank Corp. (USA)'s total assets?
As of the Q2 2026 filing, CTBC Bank Corp. (USA) reported total assets of $5.87 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CTBC Bank Corp. (USA) headquartered?
CTBC Bank Corp. (USA) is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was CTBC Bank Corp. (USA) founded?
CTBC Bank Corp. (USA) was established in 1965, per the FDIC institution directory.
Is CTBC Bank Corp. (USA) FDIC-insured?
Yes. CTBC Bank Corp. (USA) is an FDIC-insured commercial bank (FDIC Certificate #19416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CTBC Bank Corp. (USA)?
CTBC Bank Corp. (USA)'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does CTBC Bank Corp. (USA) operate?
CTBC Bank Corp. (USA) operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CTBC Bank Corp. (USA)'s Texas Ratio?
CTBC Bank Corp. (USA)'s Texas Ratio is 8.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was CTBC Bank Corp. (USA) previously called?
The charter now named CTBC Bank Corp. (USA) has also operated as Chinatrust Bank (U.S.A.) (1997-2013), China Trust Bank of California (1995-1997), Trans National Bank (1984-1995), Trans American National BAnk (1981-1984), per FDIC structure-change records.
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